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Forcing people to repay welfare ‘loans’ traps them in a poverty cycle – where is the policy debate about that?

<p><em><a href="https://theconversation.com/profiles/hanna-wilberg-1466649">Hanna Wilberg</a>, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p>The National Party’s <a href="https://www.1news.co.nz/2023/09/26/more-sanctions-for-unemployed-beneficiaries-under-national/">pledge to apply sanctions</a> to unemployed people receiving a welfare payment, if they are “persistently” failing to meet the criteria for receiving the benefit, has attracted plenty of comment and <a href="https://www.1news.co.nz/2023/09/26/nationals-benefit-sanctions-plan-cruel-dehumanising-greens/">criticism</a>.</p> <p>Less talked about has been the party’s promise to index benefits to inflation to keep pace with the cost of living. This might at least provide some relief to those struggling to make ends meet on welfare, though is not clear how much difference it would make to the current system of indexing benefits to wages.</p> <p>In any case, this alone it is unlikely to break the cycle of poverty many find themselves in.</p> <p>One of the major drivers of this is the way the welfare system pushes some of the most vulnerable people into debt with loans for things such as school uniforms, power bills and car repairs.</p> <p>The government provides one-off grants to cover benefit shortfalls. But most of these grants are essentially loans.</p> <p>People receiving benefits are required to repay the government through weekly deductions from their normal benefits – which leaves them with even less money to survive on each week.</p> <p>With <a href="https://www.stuff.co.nz/pou-tiaki/132980318/auckland-mother-serves-up-cereal-for-dinner-due-to-rising-food-costs">rising costs</a>, the situation is only getting worse for many of the 351,756 New Zealanders <a href="https://figure.nz/chart/TtiUrpceJruy058e-ITw010dHsM6bvA2a">accessing one of the main benefits</a>.</p> <h2>Our whittled down welfare state</h2> <p>Broadly, there are three levels of government benefits in our current system.</p> <p>The main benefits (such as jobseeker, sole parent and supported living payment) <a href="https://www.workandincome.govt.nz/products/benefit-rates/benefit-rates-april-2023.html">pay a fixed weekly amount</a>. The jobseeker benefit rate is set at NZ$337.74 and sole parents receive $472.79 a week.</p> <p>Those on benefits have access to a second level of benefits – weekly supplementary benefits such as an <a href="https://www.workandincome.govt.nz/products/a-z-benefits/accommodation-supplement.html">accommodation supplement</a> and other allowances or tax credits.</p> <p>The third level of support is one-off discretionary payments for specific essential needs.</p> <p>Those on benefits cannot realistically make ends meet without repeated use of these one-off payments, unless they use assistance from elsewhere – such as family, charity or borrowing from loan sharks.</p> <p>This problem has been building for decades.</p> <h2>Benefits have been too low for too long</h2> <p>In the 1970s, the <a href="https://mro.massey.ac.nz/handle/10179/12967">Royal Commission on Social Security</a> declared the system should provide “a standard of living consistent with human dignity and approaching that enjoyed by the majority”.</p> <p>But Ruth Richardson’s “<a href="https://www.stuff.co.nz/the-press/christchurch-life/124978983/1991-the-mother-of-all-budgets">mother of all budgets</a>” in 1991 slashed benefits. Rates never recovered and today’s <a href="https://www.1news.co.nz/2022/03/29/benefit-increases-will-still-leave-families-locked-in-poverty/">benefits are not enough to live on</a>.</p> <p>In 2018, the <a href="https://www.weag.govt.nz/">Welfare Expert Advisory Group</a> looked at how much money households need in two lifestyle scenarios: bare essentials and a minimum level of participation in the community, such as playing a sport and taking public transport.</p> <p>The main benefits plus supplementary allowances did not meet the cost of the bare essentials, let alone minimal participation.</p> <p>The Labour government has since <a href="https://www.beehive.govt.nz/release/government-delivers-income-increases-over-14-million-new-zealanders">increased benefit rates</a>, meaning they are now slightly above those recommended by the advisory group. But those recommendations were made in 2019 and don’t take into account the <a href="https://www.stats.govt.nz/news/annual-inflation-at-6-0-percent">sharp rise in inflation</a> since then.</p> <p>Advocacy group <a href="https://fairerfuture.org.nz/">Fairer Future</a> published an updated assessment in 2022 – nine out of 13 types of households still can’t meet their core costs with the current benefit rates.</p> <h2>How ‘advances’ create debt traps</h2> <p>When they don’t have money for an essential need, people on benefits can receive a “special needs grant”, which doesn’t have to be repaid. But in practice, Work and Income virtually never makes this type of grant for anything except food and some other specific items, such as some health travel costs or emergency dental treatment.</p> <p>For <a href="https://www.1news.co.nz/2023/02/27/very-stressful-beneficiary-says-he-cant-afford-msd-debt/">all other essential needs</a> – such as school uniforms, car repairs, replacing essential appliances, overdue rent, power bills and tenancy bonds – a one-off payment called an “advance” is used. Advances are loans and have to be paid back.</p> <p>There are several issues with these types of loans.</p> <p>First, people on benefits are racking up thousands of dollars worth of debts to cover their essential needs. It serves to trap them in financial difficulties for the foreseeable future.</p> <p>As long as they remain on benefits or low incomes, it’s difficult to repay these debts. And the <a href="https://www.legislation.govt.nz/act/public/2018/0032/latest/whole.html">Social Security Act 2018</a> doesn’t allow the Ministry of Social Development (MSD) to waive debts.</p> <h2>Contradictory policies</h2> <p>Another problem is that people on benefits have to start repaying their debt straight away, with weekly deductions coming out of their already limited benefit.</p> <p>Each new advance results in a further weekly deduction. Often these add up to $50 a week or more. MSD policy says repayments should not add up to more than $40 a week, but that is often ignored.</p> <p>This happens because the law stipulates that each individual debt should be repaid in no more than two years, unless there are exceptional circumstances. Paying this debt off in two years often requires total deductions to be much higher than $40.</p> <p>The third issue is that one-off payments can be refused regardless of the need. That is because there are two provisions pulling in opposite directions.</p> <p>On the one hand the law says a payment should be made if not making it would cause serious hardship. But on the other hand, the law also says payments should not be made if the person already has too much debt.</p> <p>People receiving benefits and their case managers face the choice between more debt and higher repayments, or failing to meet an essential need.</p> <h2>Ways to start easing the burden</h2> <p>So what is the fix? A great deal could be achieved by just changing the policies and practices followed by Work and Income.</p> <p>Case managers have the discretion to make non-recoverable grants for non-food essential needs. These could and should be used when someone has an essential need, particularly when they already have significant debt.</p> <p>Weekly deductions for debts could also be automatically made very low.</p> <p>When it comes to changing the law, the best solution would be to make weekly benefit rates adequate to live on.</p> <p>The government could also make these benefit debts similar to student loans, with no repayments required until the person is off the benefit and their income is above a certain threshold.</p> <p>However we do it, surely it must be time to do something to fix this poverty trap.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212528/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/hanna-wilberg-1466649"><em>Hanna Wilberg</em></a><em>, Associate professor - Law, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forcing-people-to-repay-welfare-loans-traps-them-in-a-poverty-cycle-where-is-the-policy-debate-about-that-212528">original article</a>.</em></p>

Money & Banking

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A horse died on the set of The Rings of Power: more needs to be done to ensure the welfare of horses used in entertainment

<p>The recent <a href="https://variety.com/2023/tv/news/rings-of-power-horse-death-lord-of-the-rings-peta-1235564884/">death of a horse</a> on the set of Amazon’s <a href="https://www.imdb.com/title/tt7631058/">The Lord of the Rings: The Rings of Power</a> is the latest incident raising questions about how humans use horses for entertainment and sport.</p> <p>While a statement from producers said the horses’s cardiac arrest occurred before the day’s filming began, animal rights activists PETA used the death to call on all screen producers to replace on-set horses with CGI and mechanical rig alternatives.</p> <p>The incident feeds into growing public concern about horse welfare on film and TV sets, at the track and in equestrian sports.</p> <p>But improving horse welfare is about more than just reputation repair – too often it’s about survival for horses and humans.</p> <h2>Horse welfare in film and TV</h2> <p>The riding of a horse over a cliff to its death for the movie Jesse James (1939) led to the establishment of <a href="https://humanehollywood.org/about-us/">American Humane</a>, which now oversees around 100,000 animals on more than 1,000 productions each year.</p> <p>While things have improved since the early days of film and television, deaths and mistreatment of horses still occur.</p> <p>In 1987, on the set of <a href="https://trove.nla.gov.au/newspaper/article/118307194">The Man From Snowy River II</a>, a seriously injured horse was killed using the blunt end of an axe.</p> <p>More recently, the high-profile series <a href="https://www.foxnews.com/entertainment/the-real-story-behind-hbos-cancellation-of-luck">Luck</a>, starring Dustin Hoffman, was cancelled following the deaths of three horses.</p> <h2>The good and bad of unprecedented global exposure</h2> <p>In 2021, the Tokyo Olympics beamed to a global audience the excessive <a href="https://7news.com.au/sport/olympics/peta-calls-for-abusive-equestrian-events-to-be-axed-from-olympics-c-3703388">whipping and punching</a> of modern pentathlon horse Saint Boy and show jumper Kilkenny’s <a href="https://www.chronofhorse.com/article/kilkenny-suffers-nosebleed-during-olympic-individual-final">spectacular nosebleed</a> during the controversial show jumping program.</p> <p>While the bleed must have been obvious, officials did not intervene to stop the ride.</p> <p>Confronting images, and the perceived failure of organisers to protect the horses involved, brought into clear and global focus the indisputable welfare issues faced by horses competing at the elite level.</p> <p>The global outcry led to <a href="https://www.dailymail.co.uk/tvshowbiz/article-9892093/Name-price-Kaley-Cuoco-offers-buy-horse-cruelly-punched-Olympics.html">actress Kaley Cuoco offering to buy Saint Boy</a> and the <a href="https://www.theguardian.com/sport/2021/nov/02/modern-pentathlon-votes-to-ditch-horse-riding-after-tokyo-olympic-turmoil">withdrawal of the equestrian phase from modern pentathlon</a>.</p> <h2>Risk to humans and horses</h2> <p>Horse welfare does not just impact animals.</p> <p>Since the 1840s, 873 jockeys are known to have <a href="https://www.thoroughbredracing.com/articles/2062/facts-and-figures-jockey-fatalities-australia/">died in race falls</a> in Australia.</p> <p>Internationally, the sport of eventing (where competitors complete three phases: dressage, show jumping and cross-country) reported 38 rider and 65 horse fatalities during or after competition between 2007-15.</p> <p>Riding horses is considered one of the most <a href="https://beva.onlinelibrary.wiley.com/doi/abs/10.1111/evj.13934">dangerous of all sporting pursuits</a>, and the deaths of riders and jockeys, usually from falls, are common.</p> <p>Public concern about risk to horses and humans through horse racing and equestrian sports, as well as screen production, also <a href="https://www.mdpi.com/2076-2615/12/15/1987">threaten these industries’ social licence</a>.</p> <h2>Better horse welfare is related to better rider safety</h2> <p>Our research offers hope for the horse industry and for those passionate about riding horses.</p> <p>Last year, we <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159121003269">published a paper</a> demonstrating the link between horse welfare and rider safety. We asked riders how they cared for their horses and how their horses behaved when ridden – for example, we wanted to know how often horses were bucking or rearing.</p> <p>From this information, we calculated a relative welfare score for each horse. We also asked riders about their accidents and injuries.</p> <p>After analysing the data from over 400 riders, we found the higher the horse welfare score, the fewer accidents and injuries a rider reported.</p> <p>In a <a href="https://www.tandfonline.com/doi/full/10.1080/08927936.2023.2176589">subsequent study</a>, we found horses with better welfare scores are more enjoyable to ride, most likely because they perform better and riders feel more in control, creating a win-win for horses and riders.</p> <h2>Good horse welfare means more than good health</h2> <p>Often good welfare is thought of in terms of an animal being healthy.</p> <p>While this is part of good welfare, good health alone is not enough – especially for a horse competing at the elite level or taking part in a film.</p> <p>Horses are <a href="https://www.sciencedirect.com/science/article/pii/S0168159117300710?casa_token=5E77h_TYKGEAAAAA:EUBGz7BTnACvpvB_3iYM-urXpBxJbS95G0-05yMRJEbMTg_SEeb_VnSoVgn35su8_aNOZEpSqctL">neophobes</a> – this means they find new things frightening – so most horses are likely to find a movie set or travelling to a new location stressful. The most up-to-date <a href="https://www.mdpi.com/2076-2615/10/10/1870/htm">understanding of welfare</a> tells us that stress and poor mental health means poor animal welfare.</p> <p>When a horse is stressed or in pain they <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159117300692">behave in a very predictable way</a> – they run away, panic, kick out or buck and rear.</p> <p>Yet, anecdotally and in the media, people seeing a horse behaving in this way often claim the horse is crazy, unpredictable or just plain mean.</p> <p>More likely, an “unpredictable” horse is suffering from poor welfare.</p> <p>As part of our research program, we have developed a <a href="https://hub.rspca.org.au/attachments/88">new framework</a> to help horse owners identify aspects of their care and training that diminish horse welfare.</p> <p>This information can be used to make modifications to improve horse welfare, and, importantly, can be applied to horses in any equine sector, including racing, sport and film and television.</p> <h2>Investing in the future of horses in entertainment and sport</h2> <p>Although a veterinarian assessed the recent horse death on the set of The Rings of Power as “unlikely to be associated with the horse’s participation in the film”, more can be done to protect horses and the industry.</p> <p>In Australia, <a href="https://www.mdpi.com/2076-2615/11/7/1986">no specific standard exists for the use of animals</a> in filmed media, and each state and territory has differing risk management guidelines.</p> <p>An opportunity now exists for the industry to set a new standard for horse care and training.</p> <p>An easily executable first step for the industry could be to insist a scientifically trained and credentialed equine behaviour expert be involved in the recruitment and supervision of horse actors and their trainers at all stages of production.</p> <p>This would ensure horse actors are appropriately trained to be on set and that horses are trained using the most up-to-date ethical methods.</p> <p>Horse behaviour experts could also help in scene design to minimise horses’ exposure to stressful situations and identify tasks that are incompatible with good horse welfare.</p> <p>If these suggestions were to be adopted, the film and television industry would be setting the benchmark for horse welfare – and pressure other horse industries to follow suit.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/a-horse-died-on-the-set-of-the-rings-of-power-more-needs-to-be-done-to-ensure-the-welfare-of-horses-used-in-entertainment-202939" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: The Rings of Power / Amazon</em></p>

TV

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Man hides hefty lottery win from wife and child

<p dir="ltr">A Chinese man has kept his eye watering 219 million yuan (AUD$47,068,869) lottery win a secret from his wife and child so they don’t become lazy. </p> <p dir="ltr">Known only as Mr Li to conceal his identity, the man dressed up in a yellow cartoon costume when he accepted the huge win on October 24 at the lottery office in Nanning, in the southern region of Guangxi. </p> <p dir="ltr">“I did not tell my wife and child for fear that they would be too complacent and would not work or work hard in the future,” he told Nanning Evening News. </p> <p dir="ltr">Mr Li confessed that he bought 40 lottery tickets all of which had the same seven numbers, with the lottery company paying out 5.48 million yuan (AUD$1,177,811) for each ticket.</p> <p dir="ltr">Eventually he found out that he had the winning lottery numbers of 2, 15, 19, 26, 27, 29, and 2 and went to claim his prize.  </p> <p dir="ltr">After receiving the hefty sum, Mr Li donated 5 million yuan (AUD$1,074,597) to charity and is still unsure of what to do with his fortune.</p> <p dir="ltr">Mr Li has been playing the lottery for a decade and only won minor prizes until this time round.  </p> <p dir="ltr">“I regard buying the lottery as a hobby, and my family does not care. Plus, I do not spend much money on it, and the lottery provides a ray of hope for me,” he told the South China Morning Post. </p> <p dir="ltr"><em>Image: Guangxi Welfare Lottery Centre</em></p>

Money & Banking

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Meghan Markle's special message after daughter's birth

<p>Meghan Markle may be on maternity leave after welcoming daughter Lilibet Diana Mountbatten-Windsor just two weeks ago.</p> <p>But it hasn't stopped the Duchess of Sussex from sharing a beautiful message about something close to her heart - animal welfare.</p> <p>The Duchess has remained Patron of Mayhew after Megxit and wrote a message for the UK charity's annual report, praising the organisation and others similar for their efforts during the pandemic.</p> <p>"When I reflect on 2020, I always come back to the importance of community and connection," the duchess wrote. "We may have been forced apart, but we found new ways to be close and to support each other through this shared crisis. For many of us, this was made all the easier with our pets by our side."</p> <p>The new mum, who gave birth on June 4 to her daughter with Prince Harry, also spoke about her miscarriage last July, writing about the grief she experienced over the past year.</p> <p>"Over the last year, each of us have felt the profound effects of the global COVID-19 pandemic," Meghan began.</p> <p>"Be it the loss of a loved one, the health challenges far too many faced, or the disproportionate life changes everyone has experienced, it has been an overwhelming process of grief, growth and also of gratitude.</p> <p>"I have heard from so many of you about the impact of having a pet with you at home during the isolation of lockdown; you have mentioned the therapeutic effect of having your animal by your side and the solace and comfort you found in their company."</p> <p>Praising the charity's hard work in these tough circumstances, Meghan hinted that she remains involved in their work from the US.</p> <p>"I have been proud to witness Mayhew adapting to the moment – through virtual rehoming, TheraPaws visits over Zoom and delivering care packages to animals and pet owners in need," she wrote.</p> <p>Meghan, who had two rescue dogs (Bogart and Guy) in Canada before she met Prince Harry, has been a champion of animal welfare charities for a number of years.</p> <p><em>Image credit: Getty</em></p>

Family & Pets

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Police investigate the welfare of re-homed autistic child of YouTube influencers

<p><span>Police have confirmed they are looking into the welfare and whereabouts of the adopted son of YouTube couple Myka and James Stauffer, who they admitted they “re-homed” with another family.</span><br /><br /><span>Myka sparked fury online when she came forward on her YouTube channel to announce she had sent her adopted son Huxley, five, to live with another family after his special needs meant that they could no longer provide the best support for him.</span><br /><br /><span>The couple adopted Huxley from China in 2016, and did not shy away from sharing the process on Myka's YouTube channel.</span><br /><br /><span>Though they were told the boy suffered from brain tumours, it was later revealed to the family that the young boy has level three autism and a sensory processing disorder, the result of having a stroke in utero.</span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7836396/myka-stauffer-2.jpg" alt="" data-udi="umb://media/410fbb6f9d404221ac32968c2f25ddaf" /></p> <p><em>Image: Instagram</em><br /><br /><span>Myka and James announced that they had sent Huxley to live with a family better equipped to handle his needs in a video that went viral last week.</span><br /><br /><span>Fans promptly accused the pair of "re-homing" him because of his autism.</span><br /><br /><span>It has also since raised questions about Huxley's whereabouts since leaving the Stauffer family.</span><br /><br /><span>The Delaware, US County Sheriff's Office is looking into the case alongside “several other agencies”, according to BuzzFeed News.</span><br /><br /><span>Tracy Whited, the office's community and media relations manager, said that the case is ongoing but was able to confirm that the five-year-old boy “is not missing”.</span><br /><br /><span>“All adoption cases are confidential, and must go through a thorough process, with specific requirements and safeguards,” Whited said.</span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7836397/myka-stauffer-1.jpg" alt="" data-udi="umb://media/64ab6f6e927345fa9b1eb7f6f5a2bda8" /></p> <p><em>Myka and her husband took to Youtube to reveal they had "rehomed" their son Huxley. </em><br /><br /><span>“In private adoptions there are the same legal requirements that must be adhered to. These include home studies as well as background checks on the adopting parent(s).”</span><br /><br /><span>She added that both parties are being represented by attorneys.</span><br /><br /><span>Last week lawyers for the Stauffer family released a statement addressing the backlash surrounding Myka and James' video.</span><br /><br /><span>“We are privy to this case, and given the facts at hand, we feel this was the best decision for Huxley,” lawyers Thomas Taneff and Taylor Sayers said.</span><br /><br /><span>“In coming to know our clients, we know they are a loving family and are very caring parents that would do anything for their children. Since his adoption, they consulted with multiple professionals in the health care and educational arenas in order to provide Huxley with the best possible treatment and care.</span><br /><br /><span>“Over time, the team of medical professionals advised our clients it might be best for Huxley to be placed with another family.”</span><br /><br /><span>Fans and critics asked to know how little Hux had been “re-homed”, as the details were never made clear.</span><br /><br /><span>Myka appears to have since removed all photos of Huxley from her Instagram account while images of her other four children remain.</span></p>

Caring

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Disabled grandfather says winning lottery ruined his life

<p>Most of us can only dream of winning the lottery, but for Daniel Millar, that dream not only came true, it turned into a nightmare.</p> <p>Millar, a 63-year-old grandfather with long-term health problems from Motherwell, Scotland, won a life-changing £80,000 ($142,000) in September, but by November it was all gone, and a month later, his welfare payments from the Department for Work and Pensions (DWP) pulled his benefits.</p> <p>You see, Millar failed to inform the DWP about his windfall, which he spent on a cruise, two holidays, new clothes, home improvements and gifts for his family.</p> <p>When the department learnt of his newfound wealth, they stopped his benefits. Now, Millar no longer qualifies for income support, housing benefit or council tax reductions.</p> <p>“It’s a nightmare,” he told <a href="https://www.thesun.co.uk/news/5663567/daniel-millar-lottery-winner-poverty-disabled-benefits/" target="_blank"><strong><em><span style="text-decoration: underline;">The Sun</span></em></strong></a>. “I don’t know what I can do and I don’t where to turn to.</p> <p>“In December, I got a letter from the DWP saying I had to go to an appointment. They then told me I had been reported by the tax office for having £80,000 ($142,000) in my bank. That was true in September but not when I went for the interview. I was £7 ($12) overdrawn.”</p> <p>Millar now has to survive on a personal independence payment £350 ($623) per month and a pension of £1.08 ($1.92) per week, while his wife and carer Bridget, 62, gets just £62 ($110) every week. They also now have to pay full rent and council tax.</p> <p>“There are people winning millions of pounds and we just get a bit of luck and all of a sudden, we are punished for it,” Bridget said.</p> <p>“We helped our neighbour and friends out with some cash. We gave it to our family and have nothing left. We paid for three family holidays – a cruise and two big trips to Benidorm. We got the kitchen and hall decorated and the bathroom and living room are to be done. There is nothing left.</p> <p>“The DWP have said we aren’t entitled to any money. They say that we have deprived ourselves of capital and don’t qualify for the benefits.”</p> <p>Tell us in the comments below, can you sympathise with the Millars? Or should Daniel have told the DWP about his lottery wins?</p>

Retirement Life

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Welfare cheat spectacularly caught out by holiday photos

<p>A welfare cheat has been spectacularly exposed after police found photos of the woman, supposedly too disabled to walk, looking happy and healthy on holidays.</p> <p>Linda Hoey from Staffordshire in the UK claimed £65,244 ($A108,700) in Disability Living Allowance and avoided paying an additional £15,690 ($A26,140) in road toll fees over a 14-year period using her disability car, according to <em>The Sun</em>.</p> <p>The 58-year-old claimed to have degenerative arthritis and back problems which prevented her from walking more than a metre a minute. She was finally caught out after police, following a tip-off, searched her home only to find pictures of recent holidays to Egypt and the Maldives, in which she could be seen swimming and playing pool.</p> <p>Further investigation revealed Hoey also had a gym membership, which she regularly used to attend swimming and badminton lessons. It was also discovered that, despite claiming she was unfit for work, she had been employed part-time at a car accessories supplier for 17 years.</p> <p>Last Friday, she was found guilty of misrepresenting her benefit claim from 2001 to 2015, as well as misusing a road toll exemption pass between 2004 and 2015.</p> <p>“She had been working full time from 1997 in a desk job doing the exact thing – sitting for a long time in the same position – she said she could not do without pain,” said prosecutor Anthony Cartin. “She has lied and exaggerated, cheating you, me and the public out of money from the public purse.”</p> <p>Hoey fought the accusations, claiming, “I have not been dishonest. My mobility has got worse. I cannot walk without severe discomfort but perhaps I could have explained things a lot better on the forms I filled in.”</p> <p>She will return to court in September for sentencing.</p>

Travel Tips

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Time to test if a universal benefit works

<p>Finland has this year begun a random trial of a $860-per-month universal income given to 2000 people currently on welfare.</p> <p>The payment will not stop if they find a job. It is hoped that it will give them financial security and allow them to make life plans.</p> <p>Pilot schemes have also been run in Namibia, Ontario, Manitoba and Utrecht.</p> <p>In recognition that technology is displacing jobs, Silicon Valley start-up accelerator Y Combinator has begun a basic income experiment in Oakland, California, to provide what its president, Sam Altman, calls "a cushion and a smooth transition to the jobs of the future".</p> <p>Ryan Greenaway-McGrevy, a senior lecturer in economics at the University of Auckland, said a rethink was needed and a similar trial should be conducted here.</p> <p>"Finding a job for life is likely to become increasingly difficult as technology advances and roles become automated, so we need to think hard about where self-worth really comes from," he said.</p> <p>"A guaranteed income would challenge the notion that people are only valuable to society if they are in paid employment.</p> <p>"The industrial revolution also caused massive disruption, and over the long-term it led to an increase in everyone's standard of living. But it took a long time for the people at the bottom to benefit - the latest research suggests it took about a century. Technology is a good thing if everyone can share in its benefits."</p> <p>Gareth Morgan and Jess Berentson-Shaw this year produced a book, Pennies from Heaven, arguing for a $200-a-week benefit for all parents with children under three.</p> <p>Greenaway-McGrevy said policymakers should give serious thought to how the UBI could work. He said child poverty had been "pretty atrocious" for some time and there had been no one willing to do anything about it.</p> <p>"A UBI would be a one-shot welfare policy that would replace much of the complicated system we have now and would be far less costly to administer," he said.</p> <p>He said it had the potential to be a much better system because there would not be the same strings attached. The current system of targeted welfare has unintended consequences.</p> <p>People who were unemployed and on the benefit would find the marginal tax rate on any part-time work they were offered was so high that it would put them off in some cases, he said.</p> <p>The structure of Working for Families can also create a tax disincentive to a second earner working longer hours or working at all. "If you get rid of those strings you get rid of the unintended consequences."</p> <p>A trial would need to test income levels to determine how much money would need to be given to achieve the desired effect, and look at measures of success including workforce participation and child poverty.</p> <p>There would have to be a complete rewrite of the tax system to pay for it.</p> <p>Greenaway-McGrevy suggested that might include implementing a proper capital gains tax or a land tax, and doing away with progressive income taxation which, at the other end of the pay scale, can encourage tax avoidance.</p> <p>"A flat income tax coupled with the UBI could be quite progressive, because the basic income would be tax-free."</p> <p>One of the possible side effects of a UBI could be to raise wages in low-paid jobs such as in supermarkets, fast food outlets and cleaning services as these became less attractive to job seekers. As a result, the price of many goods and services could rise as businesses sought to recover the increased cost of labour from consumers.</p> <p><em>Written by Susan Edmunds. First appeared on <a href="http://Stuff.co.nz" target="_blank"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>. </em></p>

Money & Banking

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Neglected dog’s own fur killing him

<p> When Charlie was brought in to the Animal Welfare League his fur was in such a terrible condition that none of the veterinarians could initially identify his breed.</p> <p>Dr Simone Maher’s team took two hours to shave Charlie’s fur to discover he was a poodle.</p> <p>His fur was in such a uncontrolled condition that it had left him temporarily blind, deaf and disabled.</p> <p>“His hair was so knotted we had to anaesthetise Charlie to get rid of his coat as it would have been so incredibly painful for him otherwise,” Dr Maher explained.</p> <p>“His coat was just soiled thick matting, as he couldn’t even lift his tail properly to go to the bathroom due to the weight of the coat.”</p> <p>The previous owner of the seven-year-old poodle had completely neglected him.</p> <p>Underneath the state of his fur, Dr Maher soon found out that Charlie suffered from an old fracture in his hind limb.</p> <p>“The chronic nature of the old injury left me concerned about post-op, because there was a lot of muscle wastage and weakness to his leg,” Dr Maher said.</p> <p>“To get a good result, a considerable amount of physiotherapy was required and I wasn’t prepared to do the surgery until we could offer post-operative care.”</p> <p>Vet nurse trainee Maxine Saliba offered to foster Charlie which saved him from potential amputation.</p> <p style="text-align: center;"><img width="316" height="421" src="https://oversixtydev.blob.core.windows.net/media/33905/cahrlie-after.jpg" alt="Cahrlie After"/></p> <p>Charlie now lives with Maxine, her husband and their other dog Jerry who is Charlie’s new play mate.</p> <p>Charlie’s health is improving and after the initial 14 weeks of fostering, Maxine couldn’t give him up.</p> <p>“I didn’t want to get rid of him, but I thought being a foster mother I should. And then when he came back for another week of fostering I thought ‘I can’t get rid of him, I have to keep him’,” Maxine said.</p> <p>Dr Maher is so impressed with Charlie’s transformation as he is acting like a new dog.</p> <p><em>Images: Sam Ruttyn</em></p> <p><strong>Related links:</strong></p> <p><a href="http://www.oversixty.co.nz/news/news/2017/02/students-raise-600-dollars-in-single-night-for-dogs-surgery/"><span style="text-decoration: underline;"><em><strong>Students raise $600 in a single night for dog’s surgery</strong></em></span></a></p> <p><a href="http://www.oversixty.co.nz/entertainment/tv/2017/02/what-dogs-see-when-they-watch-television/"><span style="text-decoration: underline;"><em><strong>What dogs see when they watch television</strong></em></span></a></p> <p><a href="http://www.oversixty.co.nz/lifestyle/family-pets/2017/03/tips-to-fight-ccd/"><span style="text-decoration: underline;"><em><strong>How you can fight this canine brand of dementia</strong></em></span></a></p>

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